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Requirements for your live account application

Find out what you need for your live account application.

Because Adyen is a payment provider and acquirer, we are legally obliged to do detailed checks on your company, its shareholders, and your business model before granting live accounts.

When you apply for a live account, you will need to upload digital copies of:

If you want to accept payments online, you must also show that your integration satisfies website and app requirements.

Company registration document

Your company registration document can be either:

  • An extract from the chamber of commerce.
  • Articles of incorporation.

The company registration document must either:

  • Be issued within the last 12 months.
  • Contain a statement of affairs no older than 12 months, which must be signed by an authorized signatory.

Merchant bank statement (optional)

If you submit a bank statement in your application for live, we'll add this account as the payout account to your live Customer Area. This will save you time when configuring your live Customer Area.

Your merchant bank statement must include:

  • The account holder name.
  • Account number.
  • Logo or name of your bank.
  • The account currency.

Your uploaded bank statement must:

  • Be in JPEG, JPG, PNG, or PDF format.
  • Have a size between 100KB (1 KB for PDF) and 4 MB.

We cannot accept uploaded bank statement documents that are:

  • Edited or personalized.
  • Containing images of a debit card.
  • Issued more than 12 months ago.

Visual examples of the bank statements described in this section

Proof of identity

You will need to provide proof of identity for:

  • The person signing the contract.
  • Shareholders who have 25% or more of the shares or voting rights.

The proof of identity can be either a:

  • Passport: Make a copy of the data page, with your picture, details, and machine-readable zone clearly visible.
  • ID card: Make a copy of both the front and back, and save them to separate files.

Proof of identity requirements

Your uploaded documents must:

  • Be in JPG, JPEG, PNG, or PDF format.
  • Have a size between 100 KB (1 KB for PDF) and 4 MB.
  • Be a full color, cropped, and straightened image.

We cannot accept uploaded documents that are:

  • Expired.
  • Broken or damaged.
  • Dirty, illegible, or with a watermark.
  • Blurry or overexposed.
  • Black and white.
  • Multiple sides or documents in the same file.
  • Not cropped, or have a white background.
  • Angled, rotated, sideways, or upside down.
  • Overcropped or cut off.

Visual examples of the proof of identity requirements described in this section

Website and app requirements

If you want to do online payments, there are strict requirements about content that must be clearly visible on your website or app.

To show that your website or app satisfies the requirements below, you'll need to share URLs to either your live website or a test deployment that we can check.

Terms and conditions

The terms and conditions must include:

  • Your company's legal entity name.
  • A description of the product or service that you sell.
  • An explanation of how payments happen, for example instantly or through a subscription.
  • Delivery information.
  • The refund and cancellation policy.
  • Mention of third parties involved in providing the service or product.
  • Mention of relevant governing law.

Subscriptions and free trials

If you are offering subscriptions or free trials, follow these requirements:

  • During the order process, make sure that the cardholder gives their consent to enter a subscription service.
  • Send an electronic reminder notification, such as an email or SMS, and a link to online cancellation at least 7 days before initiating a recurring transaction if:
    • A trial period, promotional period or introductory offer has expired.
    • The recurring agreement has changed. For example, the price or the billing period.
  • Transaction receipts must include:
    • The length of a trial period, introductory offer, or promotional period.
    • The amount and date of the initial transaction even if no amount is due.
    • The amount for subsequent recurring transactions.
    • A way to allow the cardholder to easily cancel any subsequent transactions, for example a link or using an SMS.
  • The cancellation of subscription payments must be easily accessible for online shoppers. For example, provide a link to a cancellation page.

Privacy policy

The privacy policy must describe:

  • What data you are storing.
  • What data you are sharing with third parties.
  • Your cookie policy.

Delivery information

The delivery information must include:

  • How long it takes for the shopper to receive the product or service.
  • Which countries you deliver your product to, if applicable.

Refund policy

The refund policy must explain:

  • If the shopper can get their money back for a product or service they bought from you.
  • The ways in which the shopper can return the product or cancel the service.
  • The process of returning a product or cancelling the service.

Contact information

Shoppers must be able to contact you if they have questions, so the contact information shown on your website or app must include:

  • Legal entity name.
  • Email address.
  • Phone number.

Checkout and payment process information

During the checkout and payment process, your website must clearly show your company's:

  • Legal entity name.
  • Trading name, if applicable.
  • Company registration number.
  • Company location.

You must have a checkbox with the statement I agree to the Terms and Conditions and the Refund and Cancellation policy. The statement must have hyperlinks to the documents mentioned. Shoppers must select the checkbox to accept the statement before continuing to making their payment.